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Mileage rewards
Earn HKD2 = 1 upon enrolment via Cathay to start your rewarding journey. Terms and conditions apply.
Product highlight
Visit our trusted network of garages for convenient services, including cleaning, free delivery of your repaired car, and a warranty of the repaired work1.
Include medical expenses & personal accident protection, front windscreen excess waiver, cashless repairs, temporary substitute vehicle, and more.
Coverage summary
Covering third party bodily injury and property damage
Covering up to HKD100 million against legal liability of third-party bodily injury and up to HKD2 million against third-party property damage liability.
You may choose to increase the coverage of property damage liability to up to HKD10 million for extra protection.
New for old compensation
A new car 2 of the same make and model will be given compensation if the car is stolen or involved in an accident causing it to be written off.
Medical coverage and Motor personal accident
Cover the medical costs of the insured or the insured driver in case of accidents.
Free windscreen cover – Cashless and no excess with Zurich designated repairers
Your CFD will not be affected when the repair or replacement is done by a designated repairer. In addition, you can enjoy cashless service for the full repairing cost without the need to bear the amount of excess.
Table of Benefits
| Coverage | Third Party | Comprehensive |
|---|---|---|
| Own Damage, fire & theft cover | ⛌ | ✓ |
| Third party bodily injury | HKD 100,000,000 | |
| Third party property damage | Options from HKD 2,000,000 up to HKD 10,000,000 | |
| Motor personal accident | ⛌ | HKD 100,000 |
| Medical expenses | ⛌ | ✓ |
| CFD Protection | ⛌ | ✓ |
| Front windscreen excess waiver and cashless service | ⛌ | Available when repairing at designated repairers |
| New for old compensation | ⛌ | ✓ |
| Temporary substitute vehicle | Free referral service | Either 1) Vehicle rental expenses up to HKD 4,000 (20% of the expenses paid by the insured) Or 2) Taxi fees up to HKD 2,000 |
| 24-hour emergency roadside repair service | Free referral service | Up to HKD 2,000 |
| 24-hour towing service | Free referral service | Up to HKD 2,000 |
| Claims recovery service | ⛌ | ✓ |
For more coverage details, download:
Private Motor Car Insurance Policy wording
Motor Insurance Claims History Request Form
Product brochure
Garage-Pro Services: upgraded privilege - exclusive for Zurich private car insured members
Our partner
About Zurich Insurance (Hong Kong)
Zurich Insurance (Hong Kong) is part of Zurich Insurance Group. In Hong Kong, we offer a full range of flexible insurance solutions to individuals, as well as commercial and corporate customers. Zurich’s presence in Hong Kong dates back to 1961. Since then, the company has dedicated to serving the Hong Kong community.
Cathay Pacific Airways (license number: FA3522) is appointed by Zurich as its insurance agency.
Case Study (Private EV Motor Car Insurance Plan)
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Application of Advanced Technologies
Emily enrolled in Private EV Motor Car Insurance Plan (comprehensive plan).
While using the auto-parking technology in her electric vehicle recently, Emily experienced a minor collision with another car during the parking maneuver. She also needed to send her EV to the garage for repairs.
Coverage highlights:
- Protection for damage caused to her electric car and third-party property when using the technology;
- Temporary substitute vehicle or taxi expense reimbursement while the car is under repair;
- HKD1,000 benefit if the repair cannot be completed in 14 days, provided that she hasn't claimed towards temporary substitute vehicle or taxi expense reimbursement.
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1 Terms and conditions apply.
2 New for old compensation: (i) the loss occurs within the first 12 months of the first registration of the Motor Car with the Transport Department; (ii) the first registration of the Motor Car with the Transport Department must be made within 12 months from the date of manufacture thereof. The Insured must be the first registered owner. Terms and conditions apply.
3 Only apply to the first and second registration of the car with the Transport Department and that the registration must be made within twelve months from the date of manufacture and insured's estimated value of the electric vehicle must be at least the new replacement value (reasonable market value for brand new same make and model EV) of the motor car at the time of effective date. Please refer to policy wording for details.
4 The technologies must be installed by the motor car manufacturer and approved by the Transport Department.
5 When temporary substitute vehicle or reimbursement of taxi expense are not requested.
Miles reward terms and conditions apply.
Bonus miles terms and conditions apply.
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